Saving money on long-term care insurance premiums is easy: All you need is to sign up a couple of weeks before a stroke or accident makes it impossible for you to dress, bathe, eat or get in and out of bed. If you don't know that horrible, magic moment, check out Senior Correspondent Mike Causey's column today.

Are you one of those federal workers that is unwittingly playing Russian roulette with your lifetime health coverage? Mike Causey says you should be aware of the so-called 5-rule to protect your health insurance coverage when you retire or take a buyout.

Congress, the economy and the White House are all moving in a direction that is likely to create the perfect storm for widespread buyouts within the federal service, Senior Correspondent Mike Causey says.

Since the 1990s some experts have predicted a retirement tsunami, a brain drain that would take out some of Uncle Sam's best and brightest, Senior Correspondent Mike Causey says. So far they have been dead wrong, but is this the year? We'll know in a couple of months.